- you should get it all organised BEFORE you leave if there is time and get the debit card if its available.
I would suggest you go to the Wise website it's very good and Q & A's will give you a better idea how it all works. If you are retiring to Thailand and or having lengthy trips to Thailand you will find it very useful. Beware despite Wise claiming otherwise you will be stung with a 220 baht withdrawal fee if using Wise card to withdraw money (they have a very good article about using Wise in Thailand make sure you read it).
As others have said open a Thai bank account but be prepared that can also get awkward too. I would suggest you also join the Wise Facebook group for help there too.